Too many New Orleans property owners have experienced the frightening destruction of the Gulf Coast region’s hurricanes in recent years. These storms cause catastrophic to homes, businesses, and other properties, leaving their owners to deal with a confusing insurance claims process. Unfortunately, insurance companies are notorious for making it harder for victims to recover the financial relief that will help them rebuild and move forward.
When this happens, you need a New Orleans hurricane damage lawyer who will put you first and go up against the insurers to recover a fair settlement. You need Insurance Claim HQ. Our law firm has over 25 years of experience working on behalf of residents of Louisiana, the Deep South, and across the U.S. who are struggling to recover from hurricane damage. We’ve helped secure more than $1 billion in compensation for over 70,000 clients.
There’s a reason why we have a reputation for excellence in property casualty matters. It’s because we know firsthand the physical and emotional strain involved with rebuilding and recovery following a hurricane. Many of our lawyers are from or live in Louisiana and the Deep South, so we’ve seen — and experienced — what disasters like hurricanes can do to people’s homes, communities, and lives.
If your insurance carrier is delaying or denying your hurricane insurance claim, let us take up the fight and make your voice known. Contact us today to discuss your circumstances with a hurricane damage attorney in New Orleans in a free, no-obligation consultation.
How a New Orleans Hurricane Damage Insurance Claim Lawyer Can Help with Your Case
After a major storm, an experienced New Orleans hurricane damage lawyer can guide you through the process of seeking compensation. When your property suffers hurricane-related damage, you may face challenges in dealing with your insurance company. They could push back and offer you less than what your policy provides, and may even dispute your claim entirely.
When this happens, a lawyer from ICHQ can help you understand your rights, gather evidence to support your claim, and work to make sure your insurance company fulfills its obligations. Having legal assistance gives you essential support in handling delayed payments, claim denials, or low offers from your insurer.
Whether you’re dealing with damage to your home, business, or belongings, a hurricane lawyer can help you pursue the compensation you deserve without the frustration of managing the claims process on your own.
What Does a Hurricane Insurance Policy Typically Cover?
Hurricane insurance policies help cover various types of damage caused by severe storms. While every policy is different and you’ll need to review your policy to understand the extent of your coverage, most will cover damage to essential parts of your home and property. Some everyday items that may be covered under a hurricane claim include:
- Roof and structural damage to the home
- Broken windows or doors
- Water damage from heavy rains or leaks
- Damage to personal belongings, such as furniture and electronics
- Damage to outdoor structures, like garages or sheds
- Wind damage to the exterior of the home
- Temporary living expenses if your home becomes uninhabitable during repairs
- Damage to HVAC systems or appliances from electrical surges
- Costs of debris removal and cleanup after the storm
What Are the Possible Exceptions on a Hurricane Insurance Policy?
While hurricane insurance covers many types of damage, it often has exceptions that limit coverage.
For example, policies might exclude damage caused by neglect or lack of maintenance. If your property suffers from pre-existing issues, like roof leaks or structural weaknesses, your claim may face denial. Some policies may not cover specific high-value items unless you list them separately.
Always review your policy closely to understand these exceptions, and consult a New Orleans hurricane damage attorney from ICHQ for clarification and guidance on your specific coverage.
Does Hurricane Insurance Cover Flood Damage?
Hurricane insurance typically does not cover flood damage. Some homeowners believe their hurricane policy will protect them from all storm-related property damage, but most policies exclude flood coverage.
To secure protection from flood damage, homeowners need separate flood insurance. This insurance specifically covers water damage that results from heavy rains or storm surges. Consider adding a flood policy to protect your property more fully.
How Could Insurance Companies Act in Bad Faith in My Hurricane Damage Claim?
When an insurance company fails to uphold its obligations to policyholders or intentionally misleads them, it’s said to be acting in “bad faith.” This practice goes against the insurer’s obligations under Louisiana law. State law requires insurers to handle claims fairly and promptly. When they act in bad faith, they undermine that responsibility. This behavior can complicate your recovery process after a hurricane.
Some common tactics insurers may use include:
- Delaying the Claims Process – Insurers might take excessive time to process your claim, causing unnecessary delays in your compensation.
- Underestimating Damage – Companies may downplay the extent of the damage, offering lower payouts than are necessary to repair your damaged property.
- Requesting Unnecessary Documentation – Insurers may ask for extensive documentation that is not required, creating hurdles that slow down the claims process and discourage you.
- Denying Valid Claims – Some insurers might deny claims based on technicalities, even when you have valid coverage.
- Offering Low Settlements – Insurers often propose low settlement amounts in hopes that desperate policyholders will accept them without contesting the offer.
If you believe your insurance company has acted in bad faith, consult a New Orleans hurricane damage attorney at ICHQ to explore your options. You may have grounds to file a hurricane claim lawsuit against the insurer for their wrongful actions.
What Legal Rights Do I Have as an Insurance Policyholder in Louisiana?
As an insurance policyholder in Louisiana, you have specific legal rights that protect you during the claims process. They include the following:
- The Right to Receive Clear Information About Your Policy and Coverage – Insurers must provide a copy of your policy upon request.
- The Right to a Fair and Prompt Investigation of Your Claim – If the insurer delays or denies your claim without valid reasons, you can challenge that decision.
- The Right to Appeal Any Denial – The insurer must explain their reasons for denial and provide guidance on how to appeal.
- The Right to File a Complaint Against Your Insurer – If you believe they’ve acted in bad faith, you can file a complaint with the Louisiana Department of Insurance. This agency investigates complaints against insurance companies and can help you understand your options.
- The Right to Seek Legal Assistance – A New Orleans hurricane damage attorney can help protect your rights and advocate for fair treatment throughout the claims process.
How Much Time Does My Insurance Company Have to Respond After a Hurricane?
According to Louisiana law, insurance companies must respond to your hurricane damage claim within 14 days of receiving it, or within 30 days in catastrophic cases. (Even in these circumstances, official disaster declarations may allow insurers an additional 30 days to respond.) During this time, the insurer should investigate your claim and provide an acknowledgment of receipt. If the insurer requires additional information or documentation, they must notify you promptly.
If you encounter delays or lack of communication, consider consulting a New Orleans hurricane damage lawyer from ICHQ for guidance.
In Louisiana, you generally have 180 days from the last day of the officially declared state of emergency in which to file your hurricane damage claim. If you miss this deadline, you may lose your right to seek compensation. It’s crucial to document the damage as soon as possible and begin the claims process promptly. A New Orleans hurricane damage attorney from ICHQ can help you stay within this timeframe and protect your rights.
Filing a hurricane insurance claim can be a complicated and time-consuming process, but following best practices can improve your chances of a successful outcome. Here are some effective strategies to consider:
- Document Everything – Take photos and videos of all damage to your property. Keep a detailed inventory of damaged items, including receipts or purchase documents whenever possible.
- Notify Your Insurer Promptly – Report the damage to your insurance company as soon as you can. Many policies require timely notification to process claims.
- Review Your Policy – Review your coverage limits and exclusions with an attorney before filing a claim. Knowing what your policy covers helps you argue for your rights effectively.
- Keep Communication Clear – Maintain records of all communications with your insurer. Note the names of representatives you speak with and summarize your discussions in writing.
- Be Prepared for Inspections – Allow the insurer to inspect the damage. Be present during inspections and provide any necessary documentation.
- Consult a Professional – Talk with a New Orleans hurricane damage lawyer from ICHQ early in the process. They can manage your claims process and safeguard your rights.
Proof of loss is a formal statement you provide to your insurance company that details the damage and losses you suffered in the hurricane. This document includes specifics about the affected property, estimated repair costs, and any personal items damaged. Submitting this statement helps support your claim and accelerates the claims process.
